Credit Market Error - In 2020, a situation occurred in credit markets where Citibank accidentally sent $900 million to lenders as a full prepayment for Revlon's loan instead of an interest payment [2][3] - The credit agreement lacked specific terms addressing such erroneous payments, leading to litigation [4] Erroneous Payment Deal Terms - Erroneous payment deal terms have emerged in credit deals to address the scenario of accidental overpayments [4] - Noetica's data indicates that 90% of deals now include this term as of the last quarter [4] - Deals lacking this term are considered significantly off-market, potentially involving hundreds of millions of dollars [5] Consumerism Analogy - The situation is analogized to a consumer experience at McDonald's, where receiving extra Chicken McNuggets is viewed as a benefit, highlighting the unexpected nature of the error [1][2][6]